If you've ever gotten a text message on your cell phone telling you that you've won a free prize, you're not alone. During the past year, the FTC has gotten tens of thousands of complaints about unsolicited text messages.

What age is appropriate for a kid to have a mobile phone? That's something for you and your family to decide. Consider your child’s age, personality, and maturity, and your family's circumstances. Is your child responsible enough to follow rules...